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邯郸工行县域发展策略研究_MBA硕士毕业论文DOC

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摘要
I
摘要
就经济政策的落实而言,县域金融属于其终端环节,它对促进县域经济不断前进有
着重要作用。在金融环境越来越复杂的情况下,金融市场不断向纵深发展,银行之间的
竞争日益激烈,但是伴随着县域经济水平的不断提升,它对金融资金与服务提出了更高
要求。不过,当前国有商业银行还存在着链条长、管理层级多的问题,对县域经济放贷
的条件也比较严苛,导致县域资金供求严重不均衡。近年来,邯郸工行逐渐放宽了向县
域经济放贷的条件,尤其是针对小微企业、小额农户的放贷规模不断扩大,但是在金融
体制改革要求日益突出的情况下,工行开始朝着集约化经营方向发展,普遍推行“重点
行业、重点客户、重点项目”战略,这一行为取向一定程度上有利于县域大项目、大产
业的优化和发展,但是无法适应邯郸各县域的经济特点,使县域业务的规模和影响力趋
向减弱。本文通过邯郸东、西县域经济发展的不同特点,剖析邯郸工行在东、西县域发
展过程中所面临的机遇和挑战,利用SWOT模型进行分析下一步营销战略方向,并结合自
身在工商银行的基层工作经验以及邯郸县域金融发展现状的思考,就怎样更好的推动县
域金融发展和实施差别化管理、突破瓶颈迎接挑战等,对邯郸工行下一步县域发展方向
提供建议

关键词 县域经济 邯郸工行 SWOT 分析 差别化管理Abstract
II
Abstract
As the terminal link of the implementation of the monetary policy, County finance plays
a decisive role in the county econom ic development. At present, the economic and financial
environment is becoming more and more complicated, the process of financial marketization
is deepening and the competition of the banks is incre asing. With the rapid development of
the county economy, the demand of county funds and financial services is increasing day by
day. But the management level of large state-owned commercial banks is still large, and its
chain is still long; the credit control of the county bran ch is becoming more stringent; the
contradiction of the capital supply and demand in the county is more obvious. In recent years,
Handan ICBC&39;s investment in the county econo my has increased, especially that sm all
farmers and small micro-enterprise loans increased significantly, but with the deepening of
the financial system reform, ICBC gradually shifted from decentralized m anagement to
intensive management, and im plemented extensively key industries, key custom ers, key
projects strategy.This behavior is somewhat conducive to the large projects of county leve l
and the optimization and development of large industry, but can not adapt to the economi c
characteristics of the county of Handan County, so that the size of the county business and the
impact tends to weaken. This paper analy zes the opportunities and challenges faced by
Handan ICBC in the developm ent of East and West counties through the dif ferent
characteristics of the econom ic development of East and W est counties in Handan, and
analyzes the next marketing strategy direction with SWOT model and combines it with the
grassroots work experience and the reflection of current situation of financial development in
Handan County, moreover, it provides significant advice on how to vigorously develop the
county finance, the im plementation of differentiated management in order to break through
the bottleneck of development and meet the challenges of new finance, and the next step of
the direction of Handan ICBC county development.
Keywords :Bank ,County finance,SWOT analysis,Research on countermeatures目 录
III
目 录
第 1 章 绪论1
1.1 研究背景及研究意义··1
1.1.1 研究背景1
1.1.2 研究意义1
1.2 研究综述·1
1.2.1 国外研究综述· 1
1.2.2 国内研究综述· 3
1.2.3 国内外研究评述5
1.3 研究主要内容··5
1.4 研究方法·6
1.5 研究成果·6
第 2 章 研究理论基础及分析方法 ··7
2.1 理论基础·7
2.1.1 经济增长理论·7
2.1.2 金融发展理论·8
2.2 SWOT 分析方法··9
第 3 章 邯郸工行内外部环境分析10
3.1 国家宏观经济环境分析 ·· 10
3.2 邯郸经济状况 11
3.2.1 邯郸市经济发展概况11
3.2.2 东部县经济发展现状 ·· 12
3.2.3 西部县经济发展现状 ·· 14
3.3 邯郸金融业发展概况· 16
3.4 邯郸工行内部发展现状21
3.4.1 基本业务构成·· 21
3.4.2 组织结构· 22目 录
IV
3.4.3 人力资源状况·· 22
3.4.4 资产状况 ·· 23
3.4.5 东、西县域支行分析 ·
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